It’s that time of year again. April 1st is the start of a new health care enrollment season for many employers. This can be a confusing time for patients. Many benefits that were covered previously may not be covered now. Patient’s that have never needed referrals before, may now need them. This is a good time for patient’s to review their health insurance manual. Knowing the ins and outs of your personal insurance plan will not only be beneficial to you, but also will aid a smooth transition between your old plan and new plan.
Something to also keep in mind is even though your ID number and/or plan premium haven’t changed, your benefits could have. In tough economic times such as these, employers are sometimes forced to make tough decisions when it comes to their employee’s benefits. Choosing a plan that raises your co-pay from $10 to $20 may save your employer substantial funds overall. So, while your premium hasn’t changed, your co-pay or other benefits may have. This is why it is important to review your open enrollment documents every year. Educating yourself will prepare you both mentally and financially for any healthcare needs that may arise.